investment income, because of obama care, will tax interest, difsh denneds, capital gains and rental income at an extra 3.8% for all individuals earning over $200,000 and married couples earning over $250,000. the last one is what i call the terrible triple tax. and that's on capital gains and difsh denneds. right now they enjoy a 15% tax rate. that could go as high as 43%. one, because there won't be the preferential rate of 15%. it will be the regular rate. two, the regular rate will be increasing. and three, this extra 3.8% investment tax. >> okay. so in the mean time, what can we do to prepare ourselves? >> what we're doing is, we are getting ourselves in a position for a change in the law. we believe it will happen by december 31st. what we're doing is projecting people's income for 2012. we're running a projection for 2013. and we're having them be liquid with funds so that if a change happens or doesn't happen, they're mobilized to make changes. then we wait for the tax law. we look at that and say what's the best way to minimize our client's taxes? >> all right. thank you ver